Critical Illness

UNUM

ABOUT CRITICAL ILLNESS

Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.

For full plan details, please visit your benefit website: www.mybenefitshub.com/galvestonisd

Employee & Spouse <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85 or over $10,000 $1.10 $1.40 $1.80 $2.60 $3.50 $5.00 $6.90 $9.00 $13.20 $20.80 $38.40 $65.50 $112.50 $206.10 Critical Illness

$20,000 $2.20 $2.80 $3.60 $5.20 $7.00 $10.00 $13.80 $18.00 $26.40 $41.60 $76.80 $131.00 $225.00 $412.20

EMPLOYEE BENEFITS

$30,000 $3.30 $4.20 $5.40 $7.80 $10.50 $15.00 $20.70 $27.00 $39.60 $62.40 $115.20 $196.50 $337.50 $618.30

Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical illness. Who is eligible for this coverage? All employees in active employment in the United States working at least 18.75 hours per week and their eligible spouses and children (up to age 26 regardless of student or marital status). What are the Critical Illness coverage amounts? The following coverage amounts are available. For you: Select one of the following $10,000, $20,000 or $30,000 For your Spouse: 100% of employee coverage amount For your Children: 100% of employee coverage amount *Children added at no additional cost when the employee enrolls in coverage

Can I be denied coverage? Coverage is guarantee issue.

When is coverage effective? Please see your Plan Administrator for your effective date of coverage. Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

UNUM

EMPLOYEE BENEFITS

What critical illness conditions are covered?

Covered Conditions* Critical Illnesses Coronary Artery Disease (major) Coronary Artery Disease (minor) End Stage Renal (Kidney) Failure Heart Attack (Myocardial Infarction) Major Organ Failure Requiring Transplant Stroke

Percentage of Coverage Amount

50% 10% 100% 100% 100% 100%

Supplemental Critical Illnesses Benign Brain Tumor Coma Loss of Hearing Loss of Sight Loss of Speech Infectious Disease Occupational Human Immunodeficiency Virus (HIV) or Hepatitis Permanent Paralysis Progressive Diseases Amyotrophic Lateral Sclerosis (ALS) Dementia (including Alzheimer’s Disease) Functional Loss Multiple Sclerosis (MS) Parkinson’s Disease Additional Critical Illnesses for your Children Cerebral Palsy Cleft Lip or Palate Cystic Fibrosis Down Syndrome Spina Bifida

*Please refer to the policy for complete definitions of covered conditions. 100% 100% 100% 100% 100% 25% 100% 100%

100% 100% 100% 100% 100%

100% 100% 100% 100% 100%

Covered Condition Benefit The covered condition benefit is payable once per covered condition per insured. Unum will pay a covered condition benefit for a different covered condition if: • the new covered condition is medically unrelated to the first covered condition; or • the dates of diagnosis are separated by more than 180 days. Reoccurring Condition Benefit We will pay the reoccurring condition benefit for the diagnosis of the same covered condition if the covered condition benefit was previously paid and the new date of diagnosis is more than 180 days after the prior date of diagnosis. The benefit amount for any reoccurring condition benefit is 100% of the percentage of coverage amount for that condition. The following Covered Conditions are eligible for a reoccurring condition benefit: Benign Brain Tumor Heart Attack (Myocardial Infarction) Coma Major Organ Failure Requiring Transplant Coronary Artery Disease (Major) Stroke Coronary Artery Disease (Minor) End Stage Renal (Kidney) Failure